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Customer Speaks

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Winky A. Pascua, First Vice President and Head of Asset Recovery Management, CTBC Bank (Philippines), on driving growth and innovation in lending with Nucleus Software
March 07, 2022

"CTBC Bank (Philippines) Corp. has established its niche positioning since its inception in 1995, when the country had opened up to the entry of foreign banks. Amid an intensely competitive environment, the Bank has distinguished itself with a strategy that demonstrated its efficiency, innovation and customer focus by offering a wide range of products and services to its customers. The lending platform we are currently using- Nucleus Software’s FinnOne, has played a notable role in the growth our consumer loan clients have experienced by having the Bank by their side. We appreciate the exceptional customer service provided to us by Nucleus throughout the our partnership of 10+ years."


Winky A. Pascua, First Vice President and Head of Asset Recovery Management, CTBC Bank (Philippines)


Rick M. Pusag, CIO, EastWest Bank, Philippines on driving growth and innovation in lending with Nucleus Software
January 14, 2022

"EastWest, more formally known as East West Banking Corporation, is the eleventh largest bank in the Philippines in terms of asset size. It is a subsidiary of Filinvest Development Corporation, one of the largest conglomerates in the Philippines with a diverse range of interests including real estate, banking, hospitality and tourism, power generation, and sugar. One of the main reasons for EastWest’s steady growth has been the emphasis on a robust IT framework. “Nucleus Software’s FinnOne has been the IT backbone for the Bank’s lending business due to its high configurability and scalability. We are very happy with the lending platform and the amazing customer connect that is offered by the company. Our relationship with Nucleus reflects a unique partnership of two value-based cultures that share a focus on end-customer enablement and we look forward to continuing this long term engagement with the company” said EastWest CIO Rick Pusag."


Rick M. Pusag , Chief Information Officer, Philippines


Toufic Arida, Chief Technology Officer, Bank Audi, Lebanon on enhancing efficiency in loan collections with FinnOne
October 27, 2021

"Bank Audi is a leading Lebanese banking group with a universal banking profile, offering a wide range of products and services that principally cover commercial, corporate, retail and personal banking. Amid the times of pandemic and slow economic growth prevailing in the region, our robust IT framework played a vital role to ensure sustainable development and qualitative growth. Nucleus Software’s FinnOne Collection module is a powerful and highly flexible platform that has enabled our bank to improve its operational efficiency and on-time debt collection and recovery during uncertain times."


Toufic Arida, Chief Technology Officer, Bank Audi, Lebanon


Goo Ho Kim, IT Director, Mirae Asset Finance Company Limited, Vietnam on driving growth and innovation in lending with Nucleus Software
September 10, 2021

"Mirae Asset Finance Company Vietnam is a member of one of the most successful global financial conglomerates, Mirae Asset, Korea. We are widely recognized as a fast growing and the most innovative player in the Consumer Finance Segment in Vietnam. One of the main reasons for our growth has been our emphasis on creating a robust IT framework. Nucleus Software’s FinnOne has been our IT backbone for lending business and we are very happy with not just the solution that it provides but also the amazing customer connect that is offered by the company, wherein most of our issues are addressed in almost real time. With FinnOne, we have been able to launch new products faster, create an easier customer Onboarding process, reduce customer turnaround time as well as create customized business reports on customers and products."


Goo Ho Kim, IT Director, Mirae Asset Finance Company Limited, Vietnam


Brighton Wesley, Managing Director – Financial Services, Fidelity Life Financial Services on enhancing business agility and unlocking higher efficiencies in lending with Nucleus Software
April 09, 2021

"Fidelity Life Financial Services is committed to making a positive impact on the lives of SMEs and individuals across all sectors in Zimbabwe with its micro finance offerings. Our success is hinged on our specialized solutions, rich understanding of local needs and a strong technology framework. For over a decade, Nucleus’ market leading FinnOne lending technology platform has provided Fidelity with tremendous business agility, higher operational efficiencies and strong credit risk management capabilities for our consumer loan and assets financing business. Over the years, Nucleus Software’s team has supported our business requirements with their deep domain expertise and unique technology edge. We look forward to continue working with them as we take our business to new heights of success."


Brighton Wesley, Managing Director , Financial Services, Fidelity Life Financial Services, Zimbabwe


Olusegun Alebiosu, Group Executive, Chief Risk Officer, First Bank of Nigeria on driving digital lending business growth with technology from Nucleus Software
March 31, 2021

"At FirstBank, we are committed to always put customers, partners and stakeholders at the heart of our business while delivering excellence in financial solutions across the world. FirstBank, a pioneer in promoting the digital economy in Africa relies on advanced and innovative technology solutions to power its business objectives. Nucleus Software’s lending technology platform has driven our retail lending business over the last 15 years and supported our sustained digital business growth. The deep understanding of lending domain and technology displayed by Nucleus’ team has ensured the successful delivery of transformation initiatives over the years. We believe that Nucleus’ technology will continue to help us remain ahead with superior digital customer experiences, robust risk management and high level of efficiencies."


Olusegun Alebiosu, Group Executive, Chief Risk Officer, First Bank of Nigeria


Mr. Ngo Quang Trung, CEO, Viet Capital Bank on driving digital transformation with FinnOne Neo
February 17, 2021

"Mr. Ngo Quang Trung, CEO, Viet Capital Bank shares his experiences of successful digital transformation in retail and corporate lending business with Nucleus software’s market leading digital lending platform FinnOne Neo. He explains how FinnOne Neo enabled paper-less operations, offered faster processing and automated lending operations."


Mr. Ngo Quang Trung, CEO, Viet Capital Bank


Spiros Philippas, CEO, BMW Group Financial Services, Middle East on driving value in automotive finance through technology from Nucleus Software.
January 28, 2021

"BMW Group Financial Services not only makes the vehicle ownership easy through flexible and Shariah compliant financing and leasing offerings in Dubai but also provides tailored financial products for the needs of BMW Group customers. We believe that excellence in customer service is what makes us unique and it is our constant endeavor to use technology as an enabler for driving innovation and quality in our services. Nucleus Software has been our trusted technology partner for more than five years and we appreciate the business value that they have delivered so far. We are planning to continue creating more exciting products and premium experiences for our customers through our engagement with Nucleus in the coming years."


Spiros Philippas, CEO, BMW Group Financial Services, Middle East


Ms. Teresa David-Carlos, President and CEO, BOF on benefitting from technology and getting future ready with FinnOne Neo
January 08, 2021

"Bank Of Florida (BOF), a technology-focused rural bank, has been delivering customer-centric services to the Micro, Small and Medium Enterprises (MSME) segment with the help of our long-term partnership with Nucleus Software. We value Nucleus’ expertise in helping banks unlock business value with cutting-edge technology. Nucleus Software’s technology enabled us to do all essential services in a single platform and has powered our lending and core banking over the years. In addition to Nucleus’ rich platform capabilities across the loan lifecycle, BOF has benefitted from a highly skilled support team that has helped us successfully complete our business transformation initiatives. As a part of our drive to get future ready, we have decided to move to FinnOne Neo, the advanced digital lending platform from Nucleus. The entire lending platform along with our core banking modules will be deployed in cloud to bring in enhanced business agility and higher cost efficiencies. Our relationship with Nucleus reflects a unique values-based culture with focus on end-customer enablement and we look forward to this engagement with Nucleus."


Ms. Teresa David-Carlos, President and CEO, BOF, Philippines


Chris Taylor, CEO, Abu Dhabi Finance on successful transformation in mortgage lending with technology from Nucleus Software
December 20, 2020

"Abu Dhabi Finance has a vision to be the most admired real estate financial services company in the UAE and we believe in defining success through our client’s eyes. We are committed to providing innovative financial solutions along with outstanding client service. We have built a strong ecosystem of partners who share our vision and enable us in delivering successfully on our business goals. Nucleus Software has been our lending technology partner for more than a decade as we became UAE’s fastest growing mortgage lender. Nucleus’ strong expertise in the financial services industry backed by advanced technology is a core strength of their solutions. The rich and timely support provided by Nucleus team helped us set new standards of customer service and navigate well through the current pandemic situation. We are happy with their continual engagement approach, which enables us to enhance the technology transformation culture at ADF for long term success."


Chris Taylor, CEO, Abu Dhabi Finance, UAE


Mr. Santanu Bhadra, Head of Corporate & Global Market Operations - IndusInd Bank Ltd., on delivering superior business banking services with FinnAxia
November 25, 2020

"In 2004, IndusInd Bank chose Nucleus Software’s cash management solution owing to their business and technology expertise, decades of experience, and their focus on helping the Bank succeed. As partners, they have helped us serve our customers in the best possible manner, helping us increase business agility and provide a superior customer experience. Today, we have successfully migrated from their older system – ‘Cash@Will’ to their state-of-the-art ‘FinnAxia’ platform which is helping us serve our corporate customers using state-of-the-art technology, resulting in swift and seamless end to end solutions. The new platform is a seamless one, easy to use and helping us deliver superior business banking services to our discerning customers."


Mr. Santanu Bhadra, Head of Corporate & Global Market Operations, IndusInd Bank Ltd. India


Mr. Ravindra Kundu, Executive Director, Cholamandalam Investment and Finance Company Ltd. on launching its co-lending business with technology from Nucleus Software
November 20, 2020

"Co-lending is a new direction for Cholamandalam Finance but we are confident that this will soon evolve into a very fruitful partnership model for Banks and NBFCs. Nucleus Software has been our trusted technology partner and their domain expertise ensured that we could roll out the co-lending business quickly, despite its complexity."


Mr. Ravindra Kundu, Executive Director, Cholamandalam Investment and Finance Company Limited (Chola), New Delhi, India


Mr. Thomas John Muthoot, Chairman and Managing Director, Muthoot Pappachan Group on choosing FinnOne Neo for the next phase of digital transformation
August 18, 2020

"COVID-19 is going to change the way we do business and how we function. We know that technology will be critical to help us address the challenges, and that’s why we chosen FinnOne Neo from Nucleus Software. We were impressed with the solution’s sophisticated digital capabilities and the way it is helping deepen our understanding of customers’ banking needs. This solution will enable us to drive innovation into our operations, support our continuous growth and enable us to provide our customers a complete digital experience. This is the next step of Muthoot’s Digital Blue initiative, a program designed to deliver an end-to-end digital transformation of our business."


Mr. Thomas John Muthoot, Chairman and Managing Director, Muthoot Fincorp Ltd., New Delhi, India


Mr. Pratit Vijayvergia, CTO, Ess Kay Fincorp Ltd., India on driving growth in lending with FinnOne Neo
March 23, 2020

"Mr. Pratit Vijayvergia, CTO, Ess Kay Fincorp Ltd. India talks about the digital transformation of lending business to provide a completely paperless loan sourcing with FinnOne Neo Cloud. After a smooth implementation, Ess Kay Fincorp Ltd. was able to reduce the turnaround time for loan processing by 50%, witnessed 160% growth in number of loans and also witnessed 130% increase in loan book value."


Mr. Pratit Vijayvergia, CTO, Ess Kay Fincorp Ltd., India


Mr. Gaurav Sharma, CTO, L&T Financial Services, talks about gaining an edge in Corporate Lending
January 22, 2020

"Mr. Gaurav Sharma, Chief Technology Officer, L&T Financial Services India, shares his experience of gaining an edge in the Corporate Lending business with the power of technology from Nucleus Software."


Mr. Gaurav Sharma, Chief Technology Officer, L&T Financial Services India


Mr. Abhishek Sharma, CDO, L&T Financial Services speaks on transforming corporate lending business
January 22, 2020

"Mr. Abhishek Sharma, Chief Digital Officer, L&T Financial Services India, shares his views on the transformation in Corporate Loan Management business with the market leading lending platform from Nucleus Software"


Mr. Abhishek Sharma, CDO, L&T Financial


"Mr. Akshay Jakarde, MD of SRFL shares their journey in digitizing the automotive finance to transform their customer experience with FinnOne Neo Cloud."
December 27, 2019

"Mr. Akshay Jakarde, MD of SRFL shares their journey in digitizing the automotive finance to transform their customer experience with FinnOne Neo Cloud"


Mr. Akshay Jakarde, MD, SRFL


Watch what industry leaders has to say about their experience with FinnOne Neo Cloud
November 12, 2019

"Cloud technology is transforming lending businesses across the globe. Hear from industry leaders about the transformations they’ve achieved with Nucleus FinnOne Neo Cloud. Watch the video"

Ms. Mini Nair, Executive Director and CEO, Essel Home Loans sharing her experience on digital transformation with FinnOne Neo
October 22, 2019

"Ms. Mini Nair, talks about Essel Home Loans journey in digitizing the business to provide a unique customer experience with FinnOne Neo Cloud."


Ms. Mini Nair, Executive Director and CEO, Essel Home Loans


Mr. Mohit Sahney, MD & CEO, Finova Capital speaks on adopting an end-to-end digital approach in lending
September 12, 2019

" Mr. Mohit Sahney, MD & CEO, Finova Capital talks about their focus on providing finance to people who are financially excluded and embracing digital processes with FinnOne Neo Cloud for driving innovation"


Mohit Sahney, MD & CEO, Finova Capital


Mr. Atul Arora (CFO, EssKay Fincorp) talks on digitization in Housing Finance with FinnOne Neo Cloud
January 04, 2019

"Mr. Atul Arora, CFO of Ess Kay Finance shares insights on digitizing the housing finance business with FinnOne Neo Cloud and offering faster, easier and cost effective credit services to its customers"


Atul Arora , CFO, EssKay Fincorp, India


Mr. Basant Kumar Goyal, Executive Director, Mentor Home Loans India Ltd. speaks about end to end digitization in Housing Finance business with FinnOne Neo Cloud
August 30, 2018

"Mr. Basant Kumar Goyal, Executive Director of Mentor Home Loans India Ltd. shares insights on digitizing the housing finance business with Nucleus FinnOne Neo Cloud and offering faster, easier and cost effective credit services to their customers."


Mr. Basant K.Goyal, Executive Director, Mentor Home Loans India Ltd.


Mr. Sunil Kapoor, MD of Roha Housing Finance speaks on digitizing business with FinnOne Neo Cloud
August 17, 2018

"Mr. Sunil Kapoor, Managing Director of Roha Housing Finance talks about digitizing the mortgage business, his experience with Nucleus FinnOne Neo and how Roha is using technology to offer faster, simpler and transparent services to its customers."


Mr. Sunil Kapoor, Managing Director, Roha Housing Finance


Mr. G. Ramesh, MD & CEO, HDB Financial Services speaks on leveraging the power of Lending Analytics
August 13, 2018

"HDB Financial Services, one of the leading Non-Banking Financial Companies (NBFCs) in India is using Nucleus Lending Analytics for informed decision making through accurate predictions and easy-to-build decision models. Mr G. Ramesh speaks on how data driven business insights helped HDBFS in targeting the right customers, reduce cost and enhance quality of credit portfolio by strategic decisioning throughout the loan lifecycle."


Mr. G. Ramesh, MD & CEO, HDB Financial Services


RBL Bank’s Vision 2020 of ‘Being More’- with a differentiated & enhanced Transaction Banking experience leveraging innovation
March 26, 2018

"RBL Bank’s Vision 2020 of ‘Being More’ - with a differentiated and enhanced Transaction Banking experience leveraging innovation, lead to its search for a technology partner which offered a right mix of cutting edge technology backed by dynamic functional capabilities. We chose Nucleus Software’s integrated transaction banking suite - FinnAxia which enables us the flexibility to design and launch various geography / market specific solutions backed by a quick go to market. Scalability and Processing Efficiency were the other key drivers evaluated. Integrated Product Workflows and Enterprise Client View has positively enabled shorter on-boarding TATs and an enhanced client experience."


Mr. Brijesh Mehra, Head - Corporate and Institutional Banking, RBL Bank , India


Mr. Jack Halfon, on Atlas Finance choosing Nucleus Lending Analytics for making faster and more informed decision making
November 09, 2017

"Nucleus Software's Lending Analytics offers a unique combination of sophisticated product capabilities and advanced system flexibility. We look forward to leveraging the solution to make our decisioning processes across the origination and collections stages of our retail loan products faster, simpler and better." "


Mr. Jack Halfon, CEO, Atlas Finance, Africa


Dilip Patil, MD of Sai Point Automobiles speaks on digitizing business with FinnOne Neo Cloud
October 05, 2017

"At Sai Point Finance, our mission is to continue to build our strong reputation for delivering innovative products backed by high quality, customer friendly services. I am confident that Nucleus FinnOne Neo Cloud is the best technology platform to help us scale fast, grow and enhance our customer experience. Because of the Nucleus team’s hard work, dedication and expertise, we went live in just 4 days which is outstanding and a unique experience for us."


Dilip Patil, Managing Director of Sai Point Automobiles, Sai Point Automobiles, India


Ajay Oak, Co-founder & COO, Shubham speaks on digitizing business with Nucleus FinnOne Neo Cloud
April 28, 2017

"Shubham Housing Development Finance Company is on a mission to provide housing finance solutions to families with informal incomes. Ajay Oak, Co-founder & COO of Shubham Housing Finance shares how Nucleus FinnOne Neo Cloud is helping them to automate and digitize their lending business."


Ajay Oak, Co-founder & COO , Shubham Housing Finance Limited, India


Keiichii Yoshimura, Chairman and Managing Director, Bussan Auto Finance India Pvt Ltd talks about the partnership with Nucleus Software
February 24, 2016

"“We have teamed up with an excellent partner Nucleus to be able to introduce innovative technology. We think that they are a total solution provider and a partner who are reliable and this is the most important point. We believe Nucleus has demonstrated an appropriate performance as a perfect partner. For doing business in India, I think there is no better partner than them.”"


Keiichii Yoshimura, Chairman and Managing Director, Bussan Auto Finance India Pvt Ltd.


Hilmar Scheel, CEO, bob Finance AG, Valora Group shares why they chose Nucleus Software as a Partner
February 17, 2016

"We have chosen Nucleus because of its deep experience and knowledge in consumer loan space, understands the Swiss consumer loan market and a partner working with us to find the best solution for our clients."


Hilmar Scheel, CEO, bob Finance AG, Valora Group, Zurich, Switzerland


Wolfgang Groschel, CFO, bob Finance AG, Valora Group talks about the partnership with Nucleus Software
February 17, 2016

"Nucleus offers us state of the art product with which we can offer to our customers easy to deal products on different devices. The implementation approach from Nucleus is very fast. We will always recommend Nucleus - They are professional, fast and close to their business partner."


Wolfgang Groschel, CFO, bob Finance AG, Valora Group, Zurich, Switzerland


Harriet Heymans, Ubank shares how Nucleus Software's lending solution helps differentiate its offerings for the market
December 15, 2015

"When we looked at all the options that were given to us through the tender process, we looked at affordability, functionality, we also looked at what could differentiate us within our market and Nucleus ticked all the boxes. Since the implementation we have seen improvement in our collection ratio, our efficiency ratio and also our service element within our branches. What differentiates Nucleus from other systems in the marketplace and companies is that they focus and specialize in lending products. They really know whats happening in the marketplace and they bring best practices to the table."


Harriet Heymans, CFO, IT & Strategy Head, Ubank


H.E. Basheer Khalfan Al Mehairbi, ADHA congratulates Nucleus Software on its commitment towards fulfilling their vision
December 15, 2015

"I would like to congratulate all of you for the great achievement with ADHA for CBA. Our journey is worth a huge round of applause and it is under continuous efforts to reach to the vision “ ehouse “. We thank you for your commitment towards ADHA and hope to enjoy the same in the near future. Congratulations and All the Best. "


H.E. Basheer Khalfan Al Mehairbi, Executive Support Service Director, ADHA Abu Dhabi, UAE


Jon Sutton on creating Australia's most loved bank with help from Nucleus Software
August 01, 2015

"Nucleus is one of our key partners helping us digitize our home lending process. It is at the centre of our vision of creating Australia's most loved bank with all the work they are doing in financial services"


Jon Sutton, CEO, Bank of Queensland, Australia


Ubank accelerates its Customer base with FinnOne – Global No. 1 Lending solution
September 30, 2014

"Ubank is the first bank in South Africa to implement FinnOne. This new system is expected to increase our lending efficiencies exponentially and will also prepare us to leap into the future of lending. It forms an integral part of our 10 year strategy to grow our capacity to diversify and increase revenues whilst remaining the bank of choice for workers and their families"


Mr. Luthando Vutula, CEO, Ubank, South Africa


Ubank on Lending efficiencies enhancement with FinnOne
September 30, 2014

"For us the implementation was a journey in partnership with Nucleus Software which started with identifying the potential partners. Nucleus Software’s approach in the preparedness of demos demonstrated to us the level of commitment that they bring to the table. One of the key reasons for us to go live with Nucleus Software was their superior Implementation Methodology."


Mr. Fundile Ntuli, CIO, Ubank, South Africa


BankMuscat goes live on Nucleus Software's FinnOne™ To Optimize its Collections Process
October 05, 2011

"Such projects require constant support and involvement from the supplier organisation. We believe that Nucleus Software will be able to match our expectations and partner with us in our growth by optimising our operational efficiencies across the collections operations. We chose FinnOne™ as it enjoys an excellent track record for comprehensive functionalities of its modules."


Abdul Kader Al Balushi, Group DGM ‐ Credit, BankMuscat


Saudi Arabian Auto Finance Major, Aqsat International chooses Nucleus’ FinnOne™ Suite
September 13, 2011

"Today owning an auto vehicle has become a necessity rather than a luxury. We aim at supporting people in fulfilling this necessity by providing loans and other financial aid towards owning or renting vehicles. After evaluating FinnOne™ past success across geographies, we selected this flagship & award-winning product to efficiently manage our clients and all monetary operations. FinnOne™ will surely help us build a competitive advantage and expand our reach in the Saudi Arabian market. We look forward to a fruitful association with Nucleus Software."


Abbas Mohammed Al-Nahdi, Executive GM, Aqsat International


Philippines Business Bank selects Nucleus Software to automate its Loan Origination Process
November 15, 2010

"By leveraging the CAS retail module from Nucleus’ state of the art, FinnOne™ suite, we hope to streamline our entire loan origination process. Our aim is to stay ahead of the curve in the country’s consumer lending space. By assisting our systems with flexibility in launching new products and credit evaluation, it will allow us to go more aggressive in the consumer segment and penetrate the consumer lending market more effectively."


Mr. Danilo A. Alcoseba, President and CEO, Philippine Business Bank


Nucleus Software bags order from Dhanlaxmi Bank
August 10, 2010

"Retail lending will be the focus this year for the Bank and considering the high volume of loan transactions in retail assets business, the Bank required a robust end to end solution that facilitates quick turnaround time. Having provided industry proven lending solutions for the banking sector for over 24 years, Nucleus Software’s FinnOne™ was selected for its comprehensive solution. We are confident that our partnership with Nucleus will help us add value to our retail customers."


Mr. Muralidharan R, President, Information Technology & Operations, Dhanlaxmi Bank


HDFC Bank, powered by Nucleus Software’s FinnOne™, wins 'Celent Model Bank Award 2010' for effective technology usage in banking
July 26, 2010

"We are truly elated for being recognized by an independent and globally acclaimed research body like Celent (Oliver Wyman). Nucleus Software has been our technology partner since a long time and we have been using their flagship product ever since. FinnOne™ has helped the Bank over deliver its promises and thus ensure customer delight. We are proud of our association with Nucleus Software and look forward to a further strengthened future."


Munish Mittal, EVP & Head – Technology Solutions Group, HDFC Bank


South African Company, Capital Harvest chooses Nucleus’ FinnOne™ for its loan management
March 16, 2010

"FinnOne™ was chosen because of its reputation and capabilities to help us get an advantage in the region. Implementing FinnOne™ will help us automate our internal systems and processes to reduce time to market, offer flexibility to internal operations, maximize the business and reduce turn around time for loan processes. We are in the agricultural lending business, and thus it becomes more important for us to ensure greater scrutiny in minimum time possible. Apart from the rich functionality, we are especially impressed with FinnOne™’s flexibility and scalability, which we feel is critical to our growth strategy."


Mr. Johan Du Toit, MD, Capital Harvest


Sakan Finance, Egypt selects Nucleus Software to Drive its Mortgage Finance Services
December 29, 2009

"We needed a software product to stay ahead of the curve in the dynamic Egyptian market. Apart from the rich functionality and open architecture, we are especially impressed with FinnOne™’s flexibility and scalability, which we feel is critical to our growth strategy. With FinnOne™’s excellent track record in the global market we are confident that this project will be a huge success."

Nucleus’ FinnOne™ powers HDFC BANK loan portfolios
October 12, 2009

"In most of the retail products we offer, we are a market leader on measures of size, geographies covered, quality of portfolio, and customer satisfaction. It has been achieved through quality processes, value added turn around time, and a close customer engagement. All of this have been made possible by investments in systems like these. We look forward to a mutually beneficial and continued relationship with Nucleus Software."


Pralay Mondal, Country Head, Retail Assets & Credit Cards, HDFC Bank